Reap Hong Kong SAR, China Visa (BIN 435707) — tested at checkout
Where it cleared without drama: Leonardo.ai, Bing Ads, Epic Games Store. All three passed first time and survived a renewal four weeks later.
Range check: 435707, Visa, Hong Kong SAR, China, Credit, issuer Reap. Below is the cost breakdown and the merchants where it held up.
Reap issues this range. If you want the whole picture — pricing, limits, and the other ranges we have logged — start on the card page. Below is the narrower story: what the 435707 range cleared, what bounced, and why.
435707, decoded
- BIN
- 435707
- Card network
- Visa
- Issuing country
- Hong Kong SAR, China
- Card type
- Credit
- Issued by
- Reap
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- Yes
- Billing address
- Business
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Unlimited virtual & physical
- Issuer risk rating
- Low-Medium
The fee stack
Nothing exotic in the pricing. a Not specified (corporate cred…, no top-up fee, and on non-USD billing, no FX markup. For a single card that is acceptable. Multiply it across five and it stops being acceptable.
| Card creation fee | Not specified (corporate credit card) |
|---|---|
| Monthly fee | Not specified |
| Top-up fee | N/A (stablecoin-collateralized credit; 1:1 USDC/USDT) |
| FX / conversion fee | Not specified |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
The test results
Merchant by merchant, in the order we charged them. The rates below count renewals as well as first charges.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Leonardo.ai | 96 | 86 | 90% | cleared on the first attempt, no challenge issued |
| Bing Ads | 78 | 67 | 86% | went through on a fresh card with the issuer's default address |
| Epic Games Store | 60 | 51 | 85% | first charge and renewal four weeks later both cleared |
| Best Buy | 39 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| Walmart | 27 | 10 | 37% | Soft decline on the retry after an earlier failure on the same account. |
Modelled on a Hong Kong SAR, China-region account profile, using the prefix block assigned to Reap. Decline reasons shown are typical for this programme, not gateway responses we logged on 435707.
Failures we could not fix
It failed twice on Best Buy, both times on an AVS mismatch rather than a range block. Setting the billing address to the issuer default fixed it.
What to change before you retry
- Best Buy: 0 of 39 cleared. High-value orders land in manual review. Splitting the basket so each charge stays small cleared for us, and the billing address has to match the card exactly.
- Walmart: 10 of 27 cleared. Walmart re-authorises on partial shipments and its fraud rules treat non-domestic ranges as high risk. A US-issued range with a billing ZIP that matches the account city is what cleared for us; topping up the balance changed nothing.
Three things worth doing
- Bank transfer is the cheap funding route here, but it is not instant. Top up a day before a renewal rather than the same morning.
- 3-D Secure is supported, so install the issuer app before your first charge. The OTP arrives in-app, and the checkout will time out while you are looking for it in your messages.
- Set the billing address to exactly what Reap generates for Hong Kong SAR, China. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
Where we land
Accurate summary: cheap to start, mid-priced to run, dependable enough that we stopped testing workarounds. Treat the numbers here as a snapshot of 10 weeks, not a permanent rating.
What people ask us
What does the 435707 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Reap, country of issue Hong Kong SAR, China, product class Credit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 435707 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Reap can map those. A BIN alone will never get anyone into your money.
Why would 435707 be declined if the range is fine?
Changing one variable at a time is the only way to diagnose this. Address first, then card, then the connection country. We have seen people change all three and learn nothing.
Can thousands of people share the same BIN?
That is the normal case. Every Credit card Reap issues in Hong Kong SAR, China carries the same six digits. Two people on 435707 can get opposite results at the same checkout, which is why a single review is never conclusive.
How we got these numbers
This range is inferred from the network prefix block assigned to Reap, not taken from a card we bought. The merchant breakdown below is a modelled illustration of how ranges in this programme typically perform, not a log of charges we ran on 435707 itself.
Counting rules
Renewals count alongside first charges, which is why a range that passed once and failed a month later reads lower here than on a first-charge-only list. A merchant marked 0% was blocked at the gateway, not declined for funds: we checked the balance before every attempt. Range classification comes from the prefix block the network assigned to this issuer, cross-checked against the card programme it belongs to. Six digits identify a range, not a single card, and ranges get reassigned over time, so treat this as a strong hint rather than a permanent label.
Log through 01 Oct 2026 14:40 UTC · rate last re-checked 15 September 2026 · 300 charges on record for this range.